So I basically have everything in the title. I got the Credit Karma app a couple of months ago. I have a loan from a private organization that’s around the same amount that’s due for this one.
Today I get a notification saying that it’s 132 days overdue which I found odd because it’d been paying each month. Turns out my parents took out two student loans for me in 2013. This one is thankfully much smaller.
I called the creditors the first time and I was told it was going to default soon. I was still under the impression it was still that private loan so I call the organization and leave a voicemail.
I make an account the actual loan’s website and, lo and behold, it’s there. 18 year old me didn’t make it, so I think my dad took our two federal loans and thought he’d pay them together? (I’m the first one in my family to go to college).
I set up a payment for the backpay and this month to go through and I call the creditor again. It was suggested I put a forbearance on it, which I did for one month (first one used). I have also set up an automatic payment from my savings to go to the loan each month.
I know it’ll take time to reflect on my credit score, but I’m trying to not mess up my finances entirely at 24 and be able to get an apartment. Is there anything more I can be doing?
Thanks!
Submitted May 09, 2019 at 10:00PM by makeshiftup http://bit.ly/2YjMji4
